| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | BLUE CROSS OF CALIFORNIA | $131K | — | $131K | 3.10% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62949 VIRGINIA BEACH, VA 23466 | BLUE CROSS OF CALIFORNIA | $14K | — | $14K | 0.33% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 4.05% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.43% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | 200 GLENRIDGE POINT PARKWAY SUITE 400 ATLANTA, GA 30342 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $980 | — | $980 | 0.41% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | PO BOX 743376 LOS ANGELES, CA 90074 | HAWAII MEDICAL ASSURANCE ASSOCIATION | $2K | — | $2K | 1.16% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | 3620 BIRCH STREET NEWPORT BEACH, CA 92660 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 8.51% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 38 DISCOVERY IRVINE, CA 92618 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 3.90% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA, INC. | PO BOX 101809 PASADENA, CA 91189 | EYEMED | $1K | — | $1K | 4.69% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 835 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 839 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,089 | $4.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 590 | $237K |
| Vision | EYEMED | 597 | $30K |
| Life insurance(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,089 | $4.3M |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 35 | $38K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,089 | $4.4M |
| Other(2 contracts, 2 carriers) | BLUE CROSS OF CALIFORNIA | 1,089 | $4.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,089 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.